Keyword: «loan»

This article deals with such model of consumer behavior as irrational one and its option – addictive behavior. Addictive consumption is characterized by the desire to consume certain goods, which are believed to be the most essential in his value system. This type of consumption is common for alcoholics, drug addicts, gambling and shopping addicts. These forms of the additive consumption are the most dangerous ones for society and can lead to its degradation.

Development of bank rate theory and its practical application in credit system of Russia at different stages is considered in this article retrospectivly. Three stages of bank rate theory development in the Soviet credit system are presented. The authors describe a transition from administrative formation of interest rates to a market mechanism.

The article focuses on the changes of the civil legislation of Russia governing the loan relationship and with effect from June 01, 2018. In the work cited analysis of the main changes and trends of differentiation of the loan agreement depending on different classification bases.